secwatch.observer — SEC 8-K summary
======================================

Issuer:     FS Bancorp, Inc. (FSBW)
CIK:        0001530249
Form:       8-K
Filed at:   2026-10-21T20:39:37+00:00
Accession:  0001437749-26-033128
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

FS Bancorp Q3 net income falls to $4.9M ($0.63/sh) from $9.2M a year ago; declares $0.29 dividend
--------------------------------------------------------------------------------

- Q3 2026 net income was $4.9M, or $0.63 per diluted share, vs $7.9M/$1.04 in Q2 and $9.2M/$1.18 a year ago.
- Nine-month 2026 net income was $20.7M ($2.62/sh) vs $24.9M ($3.18/sh) for the comparable 2025 period.
- Declared 55th consecutive quarterly cash dividend of $0.29/share, payable Nov. 20, 2026 to holders of record Nov. 6.
- Closed Pacific West acquisition Aug. 19, 2026 for ~$35.3M (430,149 shares + $16.9M cash); added $435.6M deposits, $256.5M loans; $1.7M bargain gain.
- Deposits $2.87B (+17.1% QoQ); net loans $3.01B (+$379.1M). Home Lending lost $806K on rising rates; Commercial/Consumer earned $5.7M.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1530249/000143774926033128/0001437749-26-033128-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1530249/000143774926033128/fsbw20260812_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-033128

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer